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DiCom Portfolio Analysis brings together information from multiple sources, including data warehouses, loan accounting and other financial systems, to help you understand the quality of your loan portfolio, and to guide your firm’s growth and profitability. Instant access to credit data also makes it easier to demonstrate bank compliance with loan policy and regulatory mandates.
DiCom Portfolio Analysis delivers portfolio insight on demand to guide strategic decision-making at both the borrower and portfolio levels. Access current and historical credit data by a combination of attributes, including industry, officer, call report codes, note type, collateral type.
Know which portfolio segments have performed well in the past to help improve portfolio performance in the future. Validate pricing on new loans
based on current portfolio data and trends. Understand which borrowers may be at risk through stress testing and develop a plan to protect your interests.
Instead of struggling with spreadsheets and manual analyses of data from various sources, DiCom Portfolio Analysis is a fully integrated loan portfolio analysis solution that delivers the powerful data and flexible tools you need to successfully manage credit risk.
Portfolio Analysis Benefits
- Provides easy access to critical portfolio content on your desktop
- Improves credit risk identification and management
- Eliminate manual processes and dependency on costly IT resources
- Eases access to information for smoother regulatory exams
- Enhances reporting and makes it easier to share information
- Supports credit quality to help increase profitability.
Flexible Query and Reporting Tools
Advanced querying and reporting capabilities take concentration analyses to a new level. Combine information into views that are unique to the way you do business. With DiCom Portfolio Analysis, your bank can more efficiently manage credit risk by virtually any user-defined risk pool category, including commercial real estate concentrations, construction loans, leasing or small business lending.
The system provides an easy-to-use graphical view of your information, a drill-down feature that enables you to view information down to the individual credit level and a wide range of time-saving reports, including customizable as well as many standard regulatory reports.
Portfolio Analysis Features
- Query builder with graphical output
- Immediate access to in-depth credit history repository
- Risk analysis by industry, officer, note type, etc.
- Portfolio stress testing with no data entry required
- Trend analysis of historical portfolio performance
- Drill down capabilities from the portfolio level to individual credits
- User defined fields for data customization
- Immediate and intuitive access to portfolio data
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